2025-12-25 16:25:32

I found old news screenshots from over ten years ago. In 2013, public opinion was still discussing the difficulty of withdrawals for depositors. At that time, the central bank ensured sufficient liquidity through reserve mechanisms, and there were concerns about financial stability.

Fast forward to now, and the situation has completely reversed. The total household deposits across the country have already surpassed 165 trillion yuan, and the per capita deposit has exceeded 110,000 yuan. Interestingly, the distribution of this money is highly uneven.

The per capita deposits for people aged 45 to 60 have exceeded 300,000 yuan, while young people aged 30 to 35 have only about 170,000 yuan per person. Those under 30 are even worse, with less than 50,000 yuan. From this deposit distribution, the so-called "stimulate consumption" policy is actually quite sobering—the issue isn't willingness to spend, but that this generation of main consumers simply doesn't have enough financial space to do so.

The real estate market shows a similar dilemma. After long-term adjustments to population policies, the demand structure in the domestic real estate market has undergone profound changes. Many places' properties have fallen into an awkward situation where they have prices but no market; speculation for appreciation is basically a lost cause.

Conversely, this bank deposit data actually hints at a very clear business direction. What are the most urgent needs of the middle-aged and elderly wealth holders? Health management and retirement security. Filling this gap is far more practical than chasing hot trends. For example, could the logic behind children's smartwatches be reversed and applied to the elderly, creating health management tools targeted at middle-aged and senior users?

Wealth is settling upward, young people lack liquidity, and aging is accelerating—these factors together are already highlighting key opportunities for sharp-eyed entrepreneurs. Seizing structural opportunities is often more valuable than blindly chasing hot trends.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

10 Likes

Reward
10
4
Repost
Share

Comment

0/400

CoconutWaterBoy

· 5h ago

People under 30 have an average of less than 50,000 yuan. How hard must one work to make a living? Young people have no money to spend, yet they are constantly asked why they don't spend. It's really unbelievable. Compared to the average of 300,000 yuan for the elderly, the gap is really huge. Lying flat is not a choice but a necessity. The retirement track is indeed worth paying attention to. It's much more reliable than money-burning consumer apps. The deposit distribution data is heartbreaking. Is this the true state of a so-called improving economy?

View OriginalReply0

PanicSeller

· 5h ago

Less than 50,000 yuan in savings under 30 years old, this is forcing us to all in the crypto world.

View OriginalReply0

AirdropNinja

· 5h ago

Young people have no money to spend, the elderly are piling up savings, and houses can't be sold... this logical chain is so clear So it turns out young people are really suffering The retirement track definitely should become popular, but it seems like everyone wants to do it, but no one does it well The wealth gap is so serious, just creating tools can't save it Honestly, I am optimistic about health management, after all, middle-aged and elderly people are really wealthy and willing to spend

View OriginalReply0

AmateurDAOWatcher